Filed September 11, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $71,816 | $78,670-8.7% | $109,173-34.2% | $85,847-16.3% |
| Participation rate | 63.3% | 68.3%-4.9pp | 75.9%-12.5pp | 69.3%-6.0pp |
| Annual return | 17.95% | 25.09%-7.1pp | 25.75%-7.8pp | 318.61%-300.7pp |
| Employer contribution / active EE | $1,542 | $2,734-43.6% | $3,723-58.6% | $2,565-39.9% |
| Participant deferral / active EE | $2,312 | $3,467-33.3% | $4,654-50.3% | $3,952-41.5% |
| Admin fee / account holder | $483 | $5,469-91.2% | $6,755-92.9% | $6,261-92.3% |